|
|
基本重病保险
(Top Covered)
基本重病保险计划最重要特点是价格便宜和不需身体检查。与综合重病保险计划严格的身体检查和高拒绝率相比，这一特点尤为明显。
基本重病保险计划的最常见重大疾病包括：癌症（Cancer）、心脏病（Heart Attack）、中风（Stroke），有的保险公司还包括心脏搭桥手术（Heart Bypass Surgery）。这几种重大疾病的发病率，所有重大疾病总发病率的90%以上。
各个保险公司对于重大疾病的种类及其定义有所不同。如果希望购买或了解某一公司的重大疾病保险产品，应以该公司的定义为准。下面是 The Insurance Journal（August 2003）的4种重大疾病（Top4）定义。
Heart Attack（心脏病）
The "death" of a portion of the heart as a result of inadequate blood supply as evidence by electrocardiographic (EGG) changes and an elevation in cardiac enzymes. Some insurers also base it on the elevation of biochemical markers.
Cancer（癌症）
A malignant tumour characterized by the uncontrolled growth and spread of mailignant cells and the invasion of tissue including leukemia and Hodgkin's disease, but excludes, in general, cancer in situ, Kaposi's sarcoma, skin cancer, except for those achieving greater depth than 0.70 mm, early prostate cancer, tumours in the presence of HIV, pre-malignant lesions, benign tumours and polyps.
Stroke（中风）
A neurological deficit persisting for at least 30 days. Most insurers exclude transient ischemic attacks while others have added to their definition of stroke "all episodes of ischemia by rupture of the thrombosis or embolism from extra-cranial source leading to permanent neurological sequelae."
Coronary Artery Bypass Surgery（冠状动脉搭桥手术）
To undergo heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts excluding any elective surgery or nonsurgical techniques such as balloon angioplasty or laser relief of an obstruction.
（注：本栏目内容只作为知识性介绍，不承担任何法律义务和责任。具体政策与内容以各个保险公司网站为准。请到 站点链接 访问获取最新详细信息。）
|
|
|
|
